Christmas Shopping - Set a Budget

It is never too early to start thinking about setting a budget for Christmas shopping. As much as we would like to be able to purchase anything we want for our friends and relatives, it is an unfortunate reality, that many of us have to budget carefully to be able to purchase Christmas gifts for all of our friends and relatives during the holiday season. With this in mind it is very important to set a budget for Christmas shopping and to try to really stick to that budget.

Some people take an interesting approach to setting a budget for Christmas shopping by waiting until they are ready to start shopping to set the actual budget. These individuals usually do this because they are saving specifically for the purpose of Christmas shopping. Whether they open up a bank account specifically for Christmas shopping, set aside money for this purpose in an envelop each week or plan on using a percentage of their income from the month of November for Christmas shopping it is important to set a budget and determine a plan for purchasing all of your Christmas gifts without exceeding this budget.

Other people take a different approach to setting a budget for Christmas shopping by shopping throughout the year and incorporating their spending for Christmas presents into their monthly budgets. These individuals may allot a portion of their monthly income to gift giving and either purchase the gifts on a monthly basis or simply set aside the money for a Christmas shopping spree at a later date. Those who spread out the Christmas shopping by doing a little bit of shopping each month not only keep their budget in control but also eliminate a great deal of the stress which often accompanies last minute Christmas shopping.

Still others take a more interesting approach to setting a budget for Christmas shopping. Those who typically receive a financial bonus at work around Christmas time may base their budget on the amount of money they are awarded in this bonus. This strategy may work out well for some as it does not allow them to alter their normal monthly spending strategy because these bonuses are typically not considered in the regular monthly budgeting. However, unless these bonuses are guaranteed annually, there is some risk involved in this strategy. Often annual bonuses are awarded based on criteria such as the company’s earnings and the individual employee’s contributions to the success of the company. The company may not enjoy financial success or the contributions of the employee may not be highly valued and therefore there may be either no bonus or a bonus much lower than expected. When this happens, those who count on bonuses for Christmas shopping may find themselves in a difficult situation.

Budgeting for Christmas shopping is particularly important for those who plan to use credit cards to make their purchases. In the case of credit card purchases it might be worthwhile to spread the Christmas shopping out over the entire year and repay the debts associated with the shopping monthly. This will help to prevent carrying a balance and being charged interest on the balance each month. However, if it is necessary to do all of the Christmas shopping at one time, it is wise to save up during the year for these purchases. Before you begin shopping, evaluate the amount of money you have saved and set a budget for your Christmas shopping. This way even though you are using a credit card and will receive a large bill the following month, you should have enough money to repay the bill in its entirety and avoid paying interest on the debt.

Even those with the best of intentions may find themselves going over their budget when Christmas shopping. When this happens it is important to keep things in perspective and avoid going too far over budget. You may spend too much on one or two people on your Christmas list but you can recover from this by purchasing less expensive gifts than planned for a few other people to compensate.

Christmas Shopping - Do it Early!

Waiting until the last minute to do your Christmas shopping can be just downright stressful. Additionally, it can make it incredibly hard to find the perfect gift for each person on your shopping list. Furthermore those who wait until the last minute to finish their Christmas shopping are often faced with the potential for a looming credit card debt for the start of the following year because they did the bulk of their Christmas shopping in December of the previous year. For all of the reasons above it makes a great deal of sense to get your Christmas shopping done early.

Those who complete their Christmas shopping early gain a great deal of benefits. First of all they do not have to deal with crowded shopping areas as hordes of other shoppers are also trying to complete their last minute Christmas shopping. Shoppers who complete their Christmas shopping early also have more time to relax and focus on other activities such as decorating, wrapping presents, baking cookies or just spending some quite time with family. Finally, those who complete their Christmas shopping early also gain financial benefits. They can take advantage of sales which occur year round if they spread out their shopping plus they do not have to worry about paying for all of their purchases at one time.

Now that you understand all the benefits of getting your Christmas Shopping done early, you may still wonder how you can achieve this goal. One way to do this is to think of Christmas shopping as a year long event. Sit down shortly after the Christmas season to make a list of each person you plan to purchase gifts for in the following Christmas season. You can also jot down a few gift ideas for each of these people as well. Creating a list at this time gives you a whole year to spend time searching for gifts for each member on your list. For example you may wish to purchase a particular CD for your sister. If it is a difficult CD to find, you have plenty of time to begin tracking down this time. If it is a CD that is easy to find, you can plan on waiting until it goes on sale and may find you are able to save quite a bit of money by doing this.

If you plan on getting your Christmas shopping done early by shopping year round for friends or relatives, you should always keep your shopping list handy. Your wallet is a good place to keep it so it is always available when you are out shopping. Not only should you always carry your list with you but you should keep it up to date. As you purchase a gift for each person on your list, cross off their name and write down the actual gift you selected if it was different from the gift idea you had written down originally. This important because it will help to prevent you from purchasing multiple gifts for those on your list because you forgot you had already purchased their gift.

While getting your Christmas shopping done early does have some distinct advantages, there are also pitfalls to this type of shopping. Those who do their shopping throughout the year are often not as budget conscious as those who shop at the last minute. This is because those who shop at the last minute understand the bills for all of their Christmas gifts will be arriving at approximately the same time. However, those who shop early often lose track of how much they are spending on Christmas gifts because the bills blend in with regular monthly expenses. To avoid this problem, those who plan to shop throughout the year should set a budget for Christmas presents. They should determine ahead of time how much they wish to spend on each person on their list and should try not to exceed this amount.

Christmas Shopping - Make a List !

“He’s making a list, he’s checking it twice.” This may be a line from one of the most recognized Christmas carol. Almost everyone who celebrates Christmas knows all about Santa’s good list as well as his naughty list and most people do their best to avoid being placed on Santa’s naughty list. While the concept of Santa’s good list and naughty list is a fun way to convince children to be on their best behavior during the Christmas season, the concept of a list should one that all Christmas shoppers adhere to while they are doing their Christmas shopping. In fact Christmas shopping should be filled with all sorts of lists. You can create lists of everyone you plan to give gifts to this year, lists of potential gift ideas and even lists of the actual gifts you select. All of this list making may sound tedious but this article will explain how all of these lists can be very helpful.

Making a list of everyone you plan to give a Christmas gift to should be the first step in any Christmas shopping expedition. This list is so important because it gives you a handy reference to all the people you should keep in mind while you are shopping and also gives you an indication of the total number of people on your Christmas list. Knowing how many people are on your list is important for setting a budget. Consider how much money you have to spend and divide this amount by the number of people on your list and this will give you an idea of how much you can spend on each person on your Christmas list.

After you make this list and set your budget, it is a good idea to make another list of potential gift ideas for each person on your Christmas gift list. It is a good idea to brainstorm and try to come up with a few good gift ideas for each person on your list. This is helpful because when you are out Christmas shopping you know where to start your search and will have a few choices if you are having difficulty finding one of the items on your list of suggestions. You may find items which are not on your list but are perfect for the person you are shopping for and it is acceptable to buy these items. It is important to remember your list of suggestions is just a starting point and if you find a more appropriate gift that is not on your list it is a good idea to purchase this gift instead.

When Christmas shopping you should also keep a list of the items you actually purchase as Christmas gifts for those on your list. This is a good idea because if you have a particularly long list, you may have difficulty remembering all the items you already bought. Keeping an updated list of whom you have already purchased Christmas gifts for and what you bought them will minimize this problem. This list also comes in handy when it is time to start wrapping all the Christmas gifts you purchased. You may have a closet full of gifts but you may have trouble remembers which gift goes to which recipient. However, if you kept an accurate list as you made your purchases this should not be a problem.

Christmas In Europe

In Finland, Christmas Eve is the traditional time to set up the Christmas tree
and it's also traditional to visit the sauna and for families to listen to a
broadcast of the national 'Peace of Christmas' on the radio. Christmas Dinner
generally consists of a main dish of boiled codfish that is snowy and fluffy in
appearance, served with cream sauce and boiled potatoes. Christmas dinner is
rounded out with roast suckling pig or roasted fresh ham and vegetables. Among
peasants, there is a tradition to tie a sheaf of grain, with nuts and seeds, to
a pole that is put in a garden for birds. Many peasants will wait until after
the birds have eaten before having their Christmas Dinner. And Santa Claus is
expected to visit homes in person with his Christmas elves to give out Christmas
gifts.
Christmas in France is called Noel, from the phrase 'les bonnes nouvelles,' or
'the good news,' which refers to the gospel. On Christmas Eve, cathedrals and
churches are beautifully lit and filled with the sounds of Christmas carols,
ringing church bells and carillons. The tradition among children is to put their
shoes by the fireplace for Pere Noel or le petit Jesus to fill them with gifts.
In the north of France however, children receive gifts on Dec. 6, St. Nicholas
Day, instead of Christmas. Most French homes will have a Nativity scene or
crčche on display during the season. In Southern France, some people will burn a
log in their home from Christmas Eve until New Years Day, which comes out of a
farming tradition of using the log for good luck in the coming harvest. The
French also make a traditional cake called the buche de Noel, or Christmas Log,
which is shaped like a Yule log and is part of a late supper called le reveillon
held after Midnight Mass on Christmas Eve. The main dish for this meal generally
consists of poultry, ham, salads, cake, fruit and wine but varies according to
region. The main course in Burgundy is turkey with chestnuts and in Paris it's
oysters, foie gras and the buche de Noel cake. The wines generally served are
Champagne, Muscadet, Sauterne and Anjou. An annual tradition of puppet shows,
particularly in Paris and Lyons, is popular during Christmas time. In Paris,
it's also popular for big department stores to have grand, animated window
displays.
Christmas in Italy is called 'Il Natale,' or 'the birthday.' Christmas season
starts eight days before Christmas, a period called the Novena, and runs for
three weeks. During the Novena, children dress as shepherds and go from house to
house saying Christmas poems, singing and playing pipes. They often receive
money to buy gifts during this activity. The Nativity scene, called the
Presepio, has miniature figures, carved in great detail out of clay or plaster,
of the Holy Family in the stable and is the center of Christmas for families.
Families say prayers and children recite poems around the Presepio. Christmas
Eve dinner, called cenone, is a traditional dish of roasted, baked or fried eel. 
In some regions, various types of fish is prepared for this dinner, as well as
pork, sausage in a pig's leg or turkey stuffed with chestnuts. Christmas sweets
are called panettone and traditionally have nuts and almonds. On Christmas Eve,
children set out their shoes for a kind, old woman or ugly witch called La
Befana, who rides on a broomstick down chimneys, to fill them with gifts of toys
or candies. If they were bad, their shoes will be filled with coal. Some
children wait until Jan. 6, the Epiphany, to receive gifts.
Norway is where the tradition of the Yule log started and which gave rise to
log-shaped cakes, cheese and other desserts during the holidays. Norwegians
today often go into the forest to cut their own Christmas trees, which is
secretly decorated on Christmas Eve to surprise children. After the Christmas
tree is revealed, Norwegians engage in 'circling the Christmas tree,' a
tradition in which everyone joins hands forming a ring around the tree. They
then walk around the Christmas tree singing carols. Gifts are distributed after
this ritual is finished.

What aboud Christmas Around the World ?

Christmas in the Birthplaces of Traditions -- Bethlehem, Germany and England
        Christmas as celebrated today is a culmination of centuries of
traditions that are religious and secular and which came from different
countries around the world. It is interesting therefore to look at some of the
general ways in which Christmas is celebrated in these countries. The traditions
examined for each country will be examples of some of the things that are unique
to that country and which are done today, or which were once done by people in
those countries.
        To begin, it is symbolic to look at the town of Bethlehem, which is
believed to be the birthplace of Jesus. The Church of the Nativity is located in
Bethlehem and at Christmas it is decorated with a lot of flags and other
Christmas decorations. A very large crowd usually gathers at The Church of the
Nativity on Christmas Eve to see a dramatic parade procession of horsemen, led
by police who are mounted on Arabian horses. Following the police in the
procession is a lone horseman who carries a cross, followed by churchmen and
government officials. Members of the procession solemnly enter the doors of The
Church of the Nativity and place an ancient effigy of Jesus in the church. A
silver star located deep in an underground cave-like section of the church marks
the site where Jesus was born. A star is also set atop a pole in the town's
square. In Bethlehem, homes of Christians usually have a cross over the door and
a manger scene is usually set up inside the house.   
        In Germany, home of the Christmas tree tradition, the Christmas tree
is not seen until Christmas Eve. The tree is usually kept in a special room, or
elsewhere, and decorated in secret with lights, ornaments, tinsels, angels,
candies, nuts and cookies. It is then lighted, the presents placed underneath
and then shown to the delight of Children on Christmas Eve. In Germany, Dec. 6
is known as St. Nicholas Day when Santa visits the homes of boys and girls. On
the day before, Dec. 5, children leave a shoe or boot outside or by the
fireplace for Santa Claus. If they were good, he places gifts and candies inside
the shoe. But if they were naughty, children will find twigs or a rod in their
shoe. Dinner on Christmas Day includes roast goose, long loaves of bread filled
with raisins, nuts and dried fruits. Other sweet delicacies are also enjoyed.
Many traditions in England are similar to those in the United States because
such traditions originated in England and were brought to the United States by
immigrants. The tradition of sending Christmas greeting cards started in England
and is still popular at Christmas, as well as the tradition of neighborhood
caroling on Christmas Eve. Children also hang stockings on Christmas Eve in
anticipation of Santa Claus filling them with Christmas gifts or treats. The
holly, ivy and mistletoe are also used a lot in Christmas decorations. In
England, the traditional Christmas Dinner is roast turkey, goose or chicken with
stuffing, vegetables and roast potatoes. Dessert consists of the British or
Christmas pudding with brandy sauce. A rich, fruit-filled Christmas cake may
also be enjoyed later in the day.  A tradition of pulling Christmas crackers
also goes with the serving of food on Christmas Day. A cracker is a paper tube
that contains a party hat, riddle, toy or trinket, and is brightly colored and
twisted at both ends. It gives out a crack as the contents pop out when it is
pulled at each end. Also on Christmas afternoon, the Queen broadcasts a
Christmas message to the nation, which is heard on radio and television. The day
after Christmas is also a holiday that is known as Boxing Day.

Spread Goodwill at Christmas

The real meaning of Christmas, the season of good cheer, is about giving
especially to provide some assistance to those who need help for their daily
survival and who therefore don't have the material resources to enjoy the
Christmas season. The importance of giving to those in need during Christmas is
embodied in the story of Jesus' birth, which is the reason Christmas is
celebrated.
    For Christians, Jesus was born to save mankind from sin by giving
everlasting Salvation to all who believe in the Word of God and chose to follow
the principles for living in the Bible. Jesus therefore gave in the ultimate way
- he offered himself as a sacrifice for every living person. Christians
therefore believe that Christmas should be about following the example of Jesus
by giving of oneself to others, especially to those who are in need.
    The Christmas season should therefore be about spreading goodwill and good
cheer. This purpose of Christmas is very significant because research by social
service organizations has shown that Christmas happens to be a high time for
depression among the have-nots, among people with problems and others who just
don't have the means and resources to enjoy the merriment of the holidays.
    The hundreds of Santa letters written by children are often a sad
testament to the many unmet needs of families and individuals during the festive
Christmas and holiday times. Just about every child is told the story of Santa
Claus, or hears about him because his presence is everywhere at Christmas. And
up to the age of 7 to 8 years, most children believe the story about Santa Claus
bringing toys and other gifts. That's the reason why so many young children
often write letters to Santa at Christmas time in which the innocently plead for
toys and other gifts because they their parents or other relatives will not be
able to give them those Christmas toys or Christmas gifts that they want.
    Thankfully there are many volunteer and charitable efforts carried out by
groups and corporations that seek to fulfill the needs of children and also of
adults during the Christmas season. One of the most notable organizations that
do such charitable work is the Salvation Army, which has a history of giving
service to those in need.
According to The Salvation Army's website, the organization as known today was
started in 1865 by a Methodist minister, William Booth and his wife Catherine.
They formed a group that preached, provided food and shelter to the homeless,
the hungry and to alcoholics in need of recovery services. The services were
provided in London's East End. Booth and his followers, first known as 'The
Christian Mission,' started to use The Salvation Army name in 1878. 
The Salvation Army is now uniquely associated with the Christmas season through
its many representatives who dress up as Santa Claus and stand outside retail
establishments ringing their bells while they kindly seek donations from
shoppers to help the poor at Christmas.
Individuals also play Santa Claus at Christmas time and help out those in need
by donating toys and gifts through their companies, other business enterprises
such as banks or through their local municipality. These groups usually all have
a box or an area where new toys or clothing can be dropped off and the items are
then donated to families in need or to social service providers for distribution
to the needy during the Christmas season.
Along with much charitable giving at Christmas time, other public interest
groups also work hard to inform and educate consumers about avoiding the after
Christmas blues. This is often experienced in January when the bills and debts
are due as a result of all the spending, much of it on credit, that is done for
the holidays.
These groups try to spread goodwill and cheer in a different way. They try to
provide educational information on spending responsibly during the Christmas
season with the hope that the happiness and good feeling enjoyed during the
season can also carry over after Christmas and not be spoiled by the burden of
having huge bills to pay.

Christmas - Style and Fashion for the Holidays

    In New York, a style capital of the world, black is always a chic and
fashionable selection. That's even more so in the Fall and Winter seasons when
dark colors are favored. But even the fashionistas who like somber colors add a
bit of sparkle and cheer to Christmas and holiday clothing with some color,
usually magnificent red.
    Dominant colors at Christmas are red, black and white and a red scarf, or
a white one, is a must-have accessory.
    Holiday-themed apparel with snowflakes, candy canes, stars, Christmas
trees, are also popular during the season. Along with being colorful, they also
convey the message that the person is fully embracing the spirit of the season
and is in a festive mood. When individuals wear holiday-themed apparel, they are
therefore radiating a positive attitude and giving the signal that it is
pleasant to be around them. After all, nobody wants to be around the 'grumpy
bah-humbug' type of personalities during the Christmas season.
    Holiday-themed jewelry also works well as accessories. These can add that
little sparkle to an outfit that makes it stand out in an admirable way.
Holiday-themed jewelry is also perfect for those individuals who simply want to
show a touch of the holiday spirit without having to actually wear holiday-
themed apparel because it maybe too different from the conservative style of
their wardrobe.
    It is necessary to add some sparkle to apparel during the Christmas season
and current style trends of having jewel-engraved or embroidered tops play well
for the Christmas season. They will allow the wearer to look festive in a very
understated but elegant way.
    Fall popular styles will also undoubtedly be a fashionable way to dress
for the holidays. Based on the Fall Fashion Shows in New York, there are five
basic outfits that stylists say should be in the wardrobe of all women. They
are: the Tunic, Winter Short - which is cut just above the knee - the Vest,
Pencil Skirt and the Super-wide pant.
    The vest can be a dressy one with embroidery or other adornments, or it
can be more minimal based on the overall outfit. The Winter Short and Pencil
Skirt can easily convert from working outfit to party wear with the right
accessory, making them perfect to wear to an early evening Christmas or holiday
party. A variation from the Pencil Skirt is the Pencil dress. This too is likely
to be popular for Christmas as it can be easily accessorized with a broad belt,
which is one of the accessories that top fashion advisers say is a 'must-have'
accessory for the Fall.
    The Tunic and Super-wide pant are also liked for Christmas and the Holiday
season because they are very flexible in how they can be paired with other
garments.
Another fall fashion staple are Knit Sweaters - oversized and as tunics. They
will also work well with black tights and leggings, which has made a comeback in
leg wear. Leggings can be worn under skirts or dresses. Very slim leggings can
also be worn simply in place of pants, worn with a jacket or again, with an
oversized knit sweater. Using the basic colors of red, white and black that are
popular during Christmas and the holidays, colored leggings will definitely add
a nice touch of style to outfits and make them seem perfect for the Christmas
and holiday season.
    It is also good that dresses are once more welcomed among the fashionable.
And the red dress for Fall fits well into Christmas and the holiday season.
The latest in jeans, which is a mainstay in everyone's wardrobe and suitable to
wear at all times including during Christmas and the holidays, is that a skinny
fit is in. And if ultra-skinny is not very complimentary to your body shape, you
can still get one of the newer types of jeans that are said to have a lot more
stretch, giving a 360-degree or all-around wrap to the body for a perfect or
near perfect fit.
    And since Christmas is the season to be happy and cheery, the truly jolly
can always top off their Christmas outfit with a cone-shaped, red and white
Santa hat.